Chase
United Club Business Card
Large welcome offer worth an estimated $1350
- Annual fee
- $695
- Welcome offer
- ~$1,350
- Annual benefits value
- -$545
- Est. 1st-year value
- $805
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Our review
The United Club Business Card is the premium business card in United's MileagePlus lineup, pairing full United Club membership with a high annual fee aimed at businesses whose travelers spend real time in airports. It is the business analog to the personal Club Infinite Card.
It earns United MileagePlus miles rather than transferable Chase points, so its rewards are most valuable to a business that consistently books United and Star Alliance flights and will use the lounge benefit.
The card sits at the top of the business family because of its benefit stack: full United Club membership, a free first and second checked bag, a rideshare statement credit, and an application-fee credit for Global Entry or TSA PreCheck. These are premium perks at a premium price.
Its value proposition centers on the lounge membership. A standalone United Club membership is costly on its own, so for a business owner who would buy it anyway, bundling it into this card can make the steep fee more defensible.
For a business with frequent United flyers who want guaranteed airport lounge access and top-tier travel benefits, the Club Business Card fits; for lighter travelers, the fee is difficult to justify.
Why we like it
- Full United Club membership for the cardholder, with access to United Club locations and participating partner lounges.
- Free first and second checked bags on United-operated flights for the cardholder and a companion on the same reservation.
- An annual rideshare statement credit for eligible purchases.
- A statement credit toward Global Entry, TSA PreCheck, or NEXUS.
- No foreign transaction fees on international business spending.
Who it's best for
- Businesses with frequent United flyers who value guaranteed lounge access on every trip.
- Owners who would otherwise purchase a standalone United Club membership and can fold that cost into the card.
- Companies that want the most complete set of United business travel benefits.
Welcome bonus
The Club Business Card offers a welcome bonus of United MileagePlus miles after meeting a minimum spending requirement in the first few months; the current miles total, spending target, and window are shown above.
Premium business offers change periodically, so verify the terms and treat the estimated value shown above as a guide rather than a guarantee.
Using your rewards
This card earns United MileagePlus miles rather than transferable Chase Ultimate Rewards points, so redemptions are strongest on United and Star Alliance award flights.
MileagePlus miles do not expire while the account is open and awards can be booked one-way.
Cardholders also benefit from expanded United award availability, which can help secure saver and premium-cabin awards for business travel.
Airport lounge access
The Club Business Card includes full United Club membership for the cardholder, with access to United Club locations and participating Star Alliance lounges worldwide.
This is genuine unlimited airport lounge access on qualifying travel rather than a set of day passes, and it is the card's headline benefit.
Foreign transaction fees
The United Club Business Card does not charge foreign transaction fees, so it is well suited to international business spending.
Combined with lounge access abroad, it is a comfortable card for overseas company travel.
Major credits & annual benefits
Full United Club membership for the cardholder.
Free first and second checked bags on United-operated flights for the cardholder and a companion on the same reservation.
An annual rideshare statement credit for eligible purchases.
A statement credit toward Global Entry, TSA PreCheck, or NEXUS, typically available once every four years.
Insurance & protections
As a premium United business card, it has historically included travel and purchase protections such as trip and baggage coverage and rental-car benefits.
Coverage terms and limits vary and can change, so pay with the card for eligible travel and review the current benefits guide before relying on any protection.
Fees & tradeoffs
The annual fee shown above is a premium one, and it pays off only if the business will genuinely use the United Club membership and the recurring credits.
Businesses that want lounge access only occasionally are better served by the standard United Business Card and its day passes.
Final verdict
The Club Business Card is the right choice for a company whose travelers live in United Clubs: the lounge membership, generous checked-bag coverage, and rideshare credit can offset the premium fee for heavy United flyers.
If lounge access is only an occasional need, the lower-fee United Business Card is the smarter pick.
Card details change often. Verify current rates, fees, welcome offers, credits, and benefit terms with the issuer before applying.
Is this card worth it for you?
Check the benefits you’d realistically use and see your personalized total value below. This is a personal estimate — actual value depends on your spending. Verify terms with the issuer.
- Selected benefits
- $330
- Welcome offer
- $1,350
- Annual fee
- −$695
- Estimated first-year net
- +$985
Welcome offer
Welcome offer value
Earn 100,000 points after $5,000 in spend within 3 months
$1,350
Spend requirements apply. Verify current offer with the issuer. How we calculate this
Benefits & credits
Total benefits & credits value
Estimated annual value of all tracked perks
$150
| Benefit | Frequency | Est. annual value |
|---|---|---|
United Club Membership Full United Club lounge membership for cardholder, with access to United Club locations and participating Star Alliance lounges worldwide. | per_visit | $60 |
$150 Rideshare Credit Up to $150 in annual statement credits for eligible rideshare purchases. | Annual | $150 |
2 Free Checked Bags First and second checked bags free on United-operated flights for the primary cardholder and one companion on the same reservation. | Annual | $0 |
$120 Global Entry/TSA PreCheck Credit Up to $120 statement credit for Global Entry, TSA PreCheck, or NEXUS application fee. Resets every 4 years. | One-time | $120 |
Earning rates
Who it's for
Consider it if
- Large welcome offer worth an estimated $1350
- Includes airport lounge access
Maybe skip it if
- High $695 annual fee
- Ongoing benefits may not cover the annual fee on their own
Fees & details
- Annual fee
- $695
- Foreign transaction fee
- None
- Card network
- Varies
- Recommended credit
- Good to Excellent (690+)
- Rewards currency
- United MileagePlus
- Last updated
- 2026-07-25
Details are estimates and may be out of date. View issuer terms. Verify all rates, fees, and offers with the issuer before applying.
How it compares
| Annual fee | $695 | $895 | $895 |
|---|---|---|---|
| Welcome offer | ~$1,350 | ~$3,000 | ~$3,000 |
| Est. 1st-year value | $805 | $5,160.40 | $4,684 |
| Annual benefits value | -$545 | $2,160.40 | $1,684 |
| Editor rating | 3.8 / 5 | 5.0 / 5 | 5.0 / 5 |
| Points earning structure |
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| Transfer partners | |||
| Lounge access | |||
| No foreign txn fee | |||
| Recommended credit | Good to Excellent (690+) | Good to Excellent (690+) | Good to Excellent (690+) |
